Ji'nan mortgage interest rate rose again in April, the first set to float 15% two sets 25%
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mortgage interest rate suddenly rose again, since April most of the provincial capital banks implemented the latest mortgage interest rate policy, the first suite floated 15%, the two suite floated 25%. In the two months after the Spring Festival, the mortgage interest rate has been raised two times in a row. This makes the buyers who are queuing up and lending money miserable: they have to pay more interest. The mortgage rate has gone up for more than a year, when the rate has gone up for more than a year. What time is the top? Will the house price drop?
monthly adjustment,
from April, the bank with our cooperation has been adjusted, the first suite loan rate floated 15%, the two suite floated 25%. On the afternoon of 7, a salesperson from a large estate in Licheng District explained to the buyers who visited them that this was a unified action of the banks, and there was no way for the developers to do so. After the Spring Festival, the interest rate discount was adjusted two times in two months. Look at this posture, interest rates will continue to rise. "
a large state-owned credit manager who lives with the property told Life Daily reporters that the interest rate adjustment of mortgage loans is very frequent. In late February, the four major banks, including their banks, raised the actual execution rate of the mortgage loan, the first suite floated 10%, and the two suite floated 20% on the basis of the benchmark interest rate. In March 15th, a state-owned large state-owned bank took the lead again to raise the standard of 15% and two suites for the first suite to float 25%. After waiting for a while, other banks followed up in late March and early April, and have basically been adjusted in place.
"mortgage interest rate is adjusted two times in two months, which is extremely rare." The loan center of a bank in jisji said that the interest rate discounts in the past are relatively stable, adjusting the minimum interval for months or even a year and a half. It has not been so frequent for so many years.
net signed and so on, interest rates are rising
the real interest rate of mortgage loans has been rising frequently, so that homebuyers who are waiting for the net sign will complain incessantly. "When we look at the house, the mortgage is the benchmark interest rate, and the down payment will go up 10%. The net signed for more than a month has not been the result, the interest rate is floating 15%! "Mr. Wang in the east of a new house in a house, eyed mortgage rate step by step upwards, and his own mortgage delay is not moving, anxious. Developers sales personnel said that banks must wait for the purchase contract net sign, and the net sign needs queuing. Waiting for a month is already very fast.
interest rates really raise buyers' interest. Mr. Wang accounted for the accounts, the interest rate floated 5%, that is, 5.145%, loan 1 million, equal amount of interest for 30 years, the total interest rate is about 960 thousand yuan and floating 15%, that is, 5.635%, the total amount of interest is up to more than 107 yuan. That means paying more than 110 thousand yuan for interest.
reporter learned that a few banks in Ji'nan have not raised the interest rates of the first and two suites to 15% and 25% for the time being, such as the Bank of communications, CITIC Bank, China bank and so on. However, most property buyers do not recommend their customers. A senior property consultant admitted: "these banks may be raised at any time, even if the customer paid the first payment today, and so on, the net signed at least one or two months. At that time, who can guarantee that the interest rates of these banks remain unchanged? Maybe some banks will be transferred to 20%. This dare not be too full, otherwise it may cause misunderstanding and bring trouble to everyone.
how much of the mortgage rate has risen to the top
with the first suite as an example, the mortgage rate has risen from 15% off at the beginning of last year to 1.15 times the rise this year. Many buyers are most concerned about how many of the rise to the top?
a senior citizen of the provincial capital bank believes that the continuing rise in the interest rate of housing loans this year is a big probability in the environment of financial deleveraging and market chaos. When to see the top, there are at least three factors. One is macro control of real estate. With this policy unchanged, interest rates on mortgage loans will hardly rise.
two is the direction of financial market regulation. The main tone of the regulatory department is to prevent systemic risk, curb real estate bubbles, check real estate illegal financing, the bank "money tight" days will continue, the amount of mortgage will be quite tense.
three is the operation of the bank. Banks are facing pressure from higher capital costs and narrowing of interest rates. The US central bank may follow up many times this year. Once the interest rate is increased, the interest rate will be adjusted immediately, and the rate of mortgage is generally adjusted to second years. So, under the background that the deposit interest rate is likely to be raised, the real interest rate of the bank is raised.
, therefore, the high interest rate of mortgage loans is too early to say "top", unless there are major changes in key factors.
is the rate of interest rates soaring? Prices will fall
professor Li Tiegang of the economics school of Shandong University points out that, fundamentally, house prices are determined by supply and demand. Housing prices and mortgage interest rates are not directly related, but mortgage interest rates will affect the purchasing power of individuals.
mortgage interest rates rise, no doubt increased the cost of housing. On the face of it, this will reduce people's willingness to buy houses. People who want to buy houses are less, and the price of housing has no impetus to rise. One analyst at the provincial real estate community thinks that for all the people who buy a house, the interest rate has no meaning for the people who just need and improve their own lives. As long as they can afford to pay, they have to buy a house and change a house. Therefore, mortgage interest rates rise, it is difficult to directly cause the reduction of housing prices.